Friday, December 15, 2017

FINANCIAL FRIDAY: AUTOMOBILES





Happy Friday! I pray you are having a great week!  I was leaving a community event and decided to grab my camera and tripod and snap a few pictures next to my car. It took me some time before I made a decision to purchase a luxury car because I felt owning a home and building a share portfolio was first more important.  Well, I wanted to share a few tips I learned while owning vehicles that allows me to save money.

1. The majority of the time I park my cars in my garage. This helps to prevent weather damage to the exterior of the car.

2. Every few months I take my cars to get serviced. This helps to extend the life of the vehicle. It also saves me money by doing preventative maintenance. The longevity of a vehicle is so important for someone like myself because I prefer to keep a car for the longest period of time.

3. Next having a good car specialist to perform the maintenance work on your vehicle is key. My definition of good is someone that takes pride in performing quality services.

4.   I don't drive the same car for a long period of time. I alternate cars so I am not overworking one vehicle all the time.

5. Last, cars depreciate so quickly in value and they are liabilities when you don' t actually own it. Therefore save and pay cash if possible for your vehicle because it will definitely save you interest. The ownership will also create a temporary asset in your net worth portfolio.









Thank you for reading and have a blessed weekend!







Thursday, December 14, 2017

MINIMALIST DEFINED


Happy Thursday!! I pray you are having a wonderful week!  Minimalism means something different depending on who you ask.  I love the fact that you have the freedom to define minimalism for yourself without any judgment. As for me it has been a new way of life. I just make sure that I purchase based on quality and  this process has allowed me to have a closet with items that I am able to show my love and appreciation for by wearing and using everything in it.  I guess you can say I'm happy and stylish like I mentioned in this blog post here. What's bigger than my closet  is the consumption of things do not control me yet I have the power to control it. The result has been better choices in all areas of my life. Most times when your space is cluttered your life is cluttered.

 I'm not sure how things that have no real value now defines what a person is.  A world where confidence is being built from the outside versus being built from the inside.  I too enjoy things and sometimes luxury things. However never to the point where it disconnects me from my truth and enslaves me to what is opposite of that truth.  I'm committed to being defined by my own truth of who I am and the person God created me to be. Therefore  when defining minimalism there's no right or wrong answer. It's just more about making right the wrong that has been occurring in your space so you can better represent your life in a light of truth.

 As always thank you for reading and have a blessed rest of the week


Antonio Melani vest (similar here) & ( luxe for less here)
Macys gold twisted oval earrings  ( on sale here)
black and gold dress  (similar here)
Versace sunglasses  ( here)
Ankle strap gold pumps ( similar on sale here)

Friday, December 8, 2017

FINANCIAL FRIDAY : AMARYLLIS




Happy Friday! I pray you are having a great week!  This financial Friday I wanted to share an inexpensive gift that is very luxe and beautiful. This flower would make a wonderful Christmas gift for almost anyone. It comes in a glass vase with rocks and a huge bulb in the bottom.

 It took several weeks of sunlight and water before it started blooming. It was an exciting experience seeing the transformation.  Now four flowers have fully bloomed and it's still growing. It has become a beautiful centerpiece in my breakfast room just in time for Christmas. It is very low maintenance which is perfect because I do not have a green thumb:)

This time of the year a lot of shoppers overspend resulting in debt that roll forward into the new year.  Never forget the reason for the season and your journey towards financial freedom. Therefore setting up an account that you deposit a little into throughout the year is a great way to save for gift giving. It also keeps you from overspending. A gift like this flower is another way to save you money and give someone a beautiful experience they could cherish for quite some time. The way the flowers multiply I would call it the gift that keeps giving.


As always thanks for reading and have a blessed rest of the week.







Thursday, December 7, 2017

NOT SOMEDAY BUT TODAY



Hi!  I pray you are having a great week! Almost everyday when I greet people I say Happy Monday, Happy Tuesday, etc. Most times I never get an excited response unless it is Friday or the weekend.  I honestly used to be guilty of responding to life this way until I realized I was connecting my happiness to someday. However happiness is available today and everyday.

My transformation occurred when I analyzed the condition of my thoughts and my heart. Our life generally moves in the direction of our most dominant thoughts.  When my thoughts were constantly on just making it to the end of the week then I was rushing time and not finding value in every new day.   I'm so grateful I started working on building my faith,  praying more,  listening to motivational messages and placing myself in positive environments that were designed for me to grow.  I thank God that all of  this allowed me to see that my life meant more than one or two temporary days of happiness. I have guaranteed happiness each and every day I just have to choose to receive it and living it out daily. Therefore my choice over the years has been to lead myself and others to living  a positive motivating daily life.





Stay positive and have a blessed week!

Monday, December 4, 2017

MY QUOTE OF THE DAY






".......you are only one decision away from changing your day and moving life forward in the most positive way..."






Thank you as always for reading and have a blessed new week!!!


Loft cable knit sweater (current season here)
Coach scarf ( similar here )
J Crew eyelet skirt (similar here)
Leather weave clutch (similar here
Guess booties ( current season here)
Versace butterfly glasses (similar here)

Friday, December 1, 2017

FINANCIAL FRIDAY


Happy Friday and Happy December! All praises to God for a glorious month! I've been diligent in 2017 about remaining an attitude of gratitude and finding happiness in every new day! Is everyday easy? Of course not:) ....but remembering to remain grateful sure makes it all worth it. Everyday is an opportunity to grow and get better. Now that's exciting!! In honor of Financial Friday I want to share a few financial tips that can be used to jump start your 2018.





1. Make saving automatic. Every time you get paid from your job or business opportunity then make your savings automatic. This process makes saving effortless and puts savings in motion.

2. Fully fund your job retirement if you work a job. If you are a business owner then remember you are your retirement. Therefore, save for your taxes as well as your retirement. If you are going to trade your time for money then make it worth while by creating an end date to it all with a solid retirement strategy.

3. Never overspend! Your income minus expenses should equal PROFIT. Anything other than profit is a LOSS. A loss is a call to action to decrease expenses and in most cases increase your income. ...or the result is stress! Therefore, it's easier to live within reason.

4. Never become enslaved to interest. The interest you pay out is money that could be saved towards your financial freedom. Remember creditors are in business for a profit at your expense.

5. For homeowners find the fastest way to pay off your home. A mortgage is debt and it's an asset on the loaner's books until it is paid off. Home ownership is powerful!

6. Resist impulse buying. Normally when you are feeling less than you will spend more than. Instead of spending on things that do not have true lasting value just spend time investing in you.

7. Never let past money mistakes keep you from trying again. Mistakes are not failures just opportunities to get better.

8. Have a financial vision for your life. Only way to seize it is to see it and believe it.







Thank you as always for reading! Have a blessed rest of the week!


Pure Sugar tweed crop jacket....similar here
black jumpsuit............similar here
Tom Ford python heels...similar  here
Versace sunglasses
Black weave clutch...similar here

Monday, November 27, 2017

MY QUOTE OF THE DAY



"......never become discouraged by the roads you may take...just keep making the right choices and keep learning along the way..."

















Have a blessed new week!


Ann Taylor wrap top
Tuxedo stripe Ponte pants
Tom Ford python heels
Metallic Tweed crop jacket

Friday, November 24, 2017

STRUCTURED BLAZER + SLOUCHY BOOTS




Ralph Lauren double breasted blazer
Bebe suede dress 
Calvin Klein boots 
Versace butterfly sunglasses 










Thank you for stopping by and have a blessed rest of the week!


Monday, November 20, 2017

MY QUOTE OF THE DAY






"......in all you do, the choice to remain grateful and connect only to faith determines how you get through..."










           Antonio Melani silk shirt
           Hudson ankle flare jeans
           Brahmin satchel bag
           Pour la Victoire heels
          Versace sunglasses



Have a blessed week!!

Friday, November 17, 2017

POP OF COLOR!








Maggy London petite dress
Coach crossbody bag
Sam Edelman hazel pumps 
Versace sunglasses 











Have a blessed rest of the week!

Tuesday, November 14, 2017

BLACK + OLIVE





Pelpum black blazer....similar here
Michael Kors Tank dress
Jimmy Choo ankle wrap pumps...similar here
Coach whiplash tote....similar here
Versace butterfly sunglasses





Thank you for stopping by and have a blessed rest of the week!

Monday, November 13, 2017

MY QUOTE OF THE DAY




Happy Monday!

."... no matter where you are placed just keep seeking opportunities for happiness and in return there will be space..."



Have a wonderful week ahead!













Friday, November 10, 2017

FINANCIAL FRIDAY



Happy Friday! I pray you are having a great week!  I wanted to share a few non-negotiables when it comes to growing your money.  The first thing is you always want to track your dollars. If you're  uncertain about what's going out  then how can you ever control what stays in.  Basically knowing your numbers will allow you to grow your numbers. This next thing I know I've said a lot on the blog and it's very simple however when you look at statistics a lot of people miss this one.  You have to pay yourself first!  As I mentioned in this blog post here habits are so important. Therefore, when it comes to paying yourself first initially the dollar amount doesn't matter it's just about creating a consistent habit of saving money. However eventually you should obtain your  Financial Independence number(FIN) and start putting the proper percentage away in order to achieve that number.

Another idea is to have money buckets.   When I say money buckets I mean a bucket for emergencies, bucket to pay bills, a bucket to splurge, bucket for vacation  and an overflow bucket etc... When money is unassigned it becomes dangerous and at risk of being spent.  Basically I've found that buckets give your dollars purpose and direction and space to grow.

The last two things are internal. You always want to think with the end in mind.  Most people do what feels good now and pay for those emotions later. However when on the path to financial freedom you have to do the right things now so you can enjoy life later. Last, always maintain an attitude of gratitude. Gratitude is that inner strength that will propel you to keep going and to keep growing.

As always thank you for stopping by and I pray these tips can be useful. Have a blessed rest of the week.


Tuesday, November 7, 2017

WRAP DRESS + LEATHER JACKET






 




 suede ankle tie heels.....current season here









Thank you for stopping by and have a blessed rest of the week!

Monday, November 6, 2017

MY QUOTE OF THE DAY!




"......sometimes suppressed in the struggle of what's destined to be...however never become regressed to stop moving and having the courage to believe....."


Have a blessed new week!

Friday, November 3, 2017

FINANCIAL FRIDAY






Happy Friday! I pray you are having a great week! For most employees in America this is the time of the year that you have the option to re enroll in your employer benefits program. It normally includes health insurance and retirement plans. The most common employer sponsored retirement plan is a 401k. In my opinion these plans are valuable and help to retain employees. These plans are pretax and some employers will match the employee contribution dollar for dollar or up to a certain percentage. The deduction from your check is made automatically making the process to save very easy. 

Remember this is an investment so as mentioned in last Friday post here do your research on which retirement plan you are choosing. The plan administrators are not advisors so they can't advise you on what to choose. Therefore understanding your risk tolerance is vital to choosing the right investment model. Last, be consistent with your savings. You are trading your valuable time for money by working a job. Therefore, make it all worth it by contributing consistently to your future so in your later years you can retire financially free.

Once you have contributed  enough to a 401k and you have an adequate emergency fund then you are in a great position to seek out other investment options outside your job. These other options will be another buffer to make sure you have enough money saved towards your financial freedom plan.

As always thank you for your support! Have a blessed rest of the week!



Wednesday, November 1, 2017

BELT IT!










Happy Wednesday! I pray you are having a wonderful week! In the past I did not wear many belts. I always felt belts were only to be worn with jeans until I discovered how a good belt could pull different looks together perfectly. A belt can be small, large, dressy, casual, cheap, or expensive. Therefore belts can be very versatile which can make it tricky to find a good one that will compliment your overall look.

I store my belts on a belt organizer. This allows all my belts to be in one place easily displayed so I can clearly see what options I have. This saves me time as I get dressed. It also saves me money and prevents me from buying duplicate belts.

I also have a belt hole puncher. I'm pretty sure most people have had a belt that doesn't fit properly so having one makes the belt fit better to your body by placing the holes where it is needed.

A belt is an extension of your personal style. Therefore, its important to clearly know your personal style so you can identify the right belt to compliment an outfit. If not then a belt that was meant to compliment can end competing with the look you wanted to create.

 When I started the $500 challenge last year I knew I had to find more ways to maximize the clothing I currently had if I wanted to save more money to invest towards this project. Therefore, taking advantage of my accessories such as belts was a simple and inexpensive way to do this.













Thanks for stopping by and have a blessed week! 


Black jumpsuit ...................similar option here
Guess logo reversible belt.........here

Monday, October 30, 2017

MY QUOTE OF THE DAY!




"....whatever the pursuit just fully engage and present day happiness will never be delayed..."


Thank you for stopping by and have a blessed new week!




Black pencil skirt......here
Black blazer (old)...........similar here
Velvet lace cami............similar here
Suede black pumps.......similar here
Black weave clutch (old)....similar here